u/IminaNYstateofmind

The obsession with exact metrics in this sub population has gotten out of hand. Just don’t try that hard on your easy days while accumulating easy volume and learn how to do your workouts properly (with experience). You look at James himself and he is so chill when he talks about his methodoloy (Bakken on the other hand is quite exacting). We aren’t pros. NSM is basically just polarized training reimagined with more threshold work. It’s not that complicated.

My spouse has been worried that we have a spending problem. I think we have just made expensive life choices and taxes are tough. Recent grad, VHCOL, spouse is also in medicine but started working 3 years ago. 3 kids.

HHI currently: 600k this year, projected to increase.

max out retirement accounts, HSA, 10k into kids 529.

yearly spending: roughly 280-300k depending on the year

Monthly spending (largest categories) :

- Rent: 6k (looking to buy but has been rough) and electric 600-1.4k

- full time nanny: 4750 (will likely switch to a more affordable option in 2 years)

- kids schooling and camp: 3k per month

- cars: 2 leased, 1k + 400 insurance

- student loans 900

- insurances (disability, malpractice, life): 2k - this is the sneakiest one in my opinion that people dont talk about enough when thinking of our careers.

what do you guys think?